There are several SIP Mutual Funds in India. Some SIP plans are high risk and provide good returns. Some SIP Mutual funds are high risk, but one need to wait for a long time to get good returns. You may find it difficult to identify a high return mutual fund scheme if you are moderate to low risk taker. We have filtered some of the Best SIP Plans in Mutual funds for such investors in this article. Which are the Best SIP Plans that are low risk and provide high returns? Which are the Top SIP Plans in Mutual Funds for moderate to low risk taker?

SIP Plans for Moderate to low risk takers – What we meant here?

First of all, let us understand that Mutual funds does not eliminate risk at all. Even debt funds have become risky after IL&FS scam. However, if you can invest in mutual funds that invests partly in equity and partly in debt, you can reduce your risk. You can pick-up some of these low risk, high return mutual funds if you are a conservative investor or moderate to low risk taker. You can expect 15% to 20% annualized returns if you can invest for 10-20 years time frame.

Who should not invest in this Low risk and High Returns Funds?

Here are some of the investors who can stay away from these mutual fund schemes.

1) If you are thinking to make quick money in the stock market, these mutual funds are not for you.

2) If you are a high risk taker and willing to invest in midcap/small cap funds, then you can ignore this article.

3) If you are thinking that SENSEX would grow in coming years and expect to get returns similar to that of SENSEX or any Index, you may skip these SIP plans.

How we analyzed these Best SIP Plans in Mutual Funds for 2019 that are Low Risk and provide High Returns?

We have filtered these low risk, high return MFs based on some of these key parameters.

1) Mutual fund scheme whose strategy is to invest in equity + debt instruments. These are hybrid in nature.

2) Mutual Fund schemes that have performed well in 1 year, 3 years, 5 years and 10 years time frame when invested through SIP.

3) Mutual Fund Schemes that have overcome losses in the last 1 year as stock market being volatile these days.

4) Funds that have good rating by Value Research Online

5) Funds that have good rating by Crisil.

6) Mutual Funds that have AUM of over Rs 500 Crores which gives confidence to investors.

Some of these hybrid MFs have not performed well in the last 1 year as stock market being volatile. You need to keep this aspect aside, as your goal is to invest for long term of over 10 years.

5 Best SIP Plans in Mutual Funds for 2019 – Low Risk and High Returns

Let us jump into these Best Mutual Funds to invest through SIPs.

Top#1 – ICICI Prudential Equity & Debt Fund

What is its investment Strategy?

The mutual fund aims to generate capital appreciation by investing in a portfolio that is invested in equities and related securities as well as fixed income and money market securities. The approximate allocation to equity would be in the range of 60% to 80% with a minimum of 51%, and the approximate debt allocation is 40% to 49%, with a minimum of 20%.

How is the Performance of fund in case of SIP investment?

If you would have invested Rs 1,000 per month through SIP for 10 years, the invested value would have been Rs 120,000 (Rs 1,000 x 120 months) and the value of the fund would have now grown to Rs 2.6 Lakhs.

If you would have invested Rs 1,000 per month through SIP for 5 years, the invested value would have been Rs 60,000 (Rs 1,000 x 60 months) and the value of the fund would have now grown to Rs 78,000.

If you would have invested Rs 1,000 per month through SIP for 3 years, the invested value would have been Rs 36,000 (Rs 1,000 x 36 months) and the value of the fund would have now grown to Rs 40,000.

How is the Performance of fund in case of lump sum investment?

This mutual fund scheme gave 15% annualized returns in the last 5 years and 17% annualized returns in the last 10 years. If you would have invested Rs 1 Lakh 5 years back, your investment would have grown to Rs 2.1 Lakhs. If you would have invested Rs 1 Lakh 10 years back, your investment would have now grown to Rs 4.8 Lakhs.

Why to invest?

This fund has been performing well in the last 10-20 years. This fund gave highest SIP returns in this segment. Since inception (last 20 years), this fund has given 14% annualized returns. VRO rated this as 4 Star. This is one of the Best SIP Plans in India in 2019 which is low risk and can provide the highest returns in the next 10-20 years.

Top#2 – HDFC Hybrid Equity Fund

What is its investment Strategy?

The Scheme seeks to generate capital appreciation / income from a portfolio, predominantly of equity & equity related instruments.

How is the Performance of fund in case of SIP investment?

If you would have invested Rs 1,000 per month through SIP for 10 years, the invested value would have been Rs 120,000 (Rs 1,000 x 120 months) and the value of the fund would have now grown to Rs 2 Lakhs.

If you would have invested Rs 1,000 per month through SIP for 5 years, the invested value would have been Rs 60,000 (Rs 1,000 x 60 months) and the value of the fund would have now grown to Rs 70,000.

If you would have invested Rs 1,000 per month through SIP for 3 years, the invested value would have been Rs 36,000 (Rs 1,000 x 36 months) and the value of the fund would have now grown to Rs 38,000.

How is the Performance of fund in case of lump sum investment?

This mutual fund scheme gave 16% annualized returns in the last 5 years and 19% annualized returns in the last 10 years. If you would have invested Rs 1 Lakh 5 years back, your investment would have grown to Rs 2.1 Lakhs. If you would have invested Rs 1 Lakh 10 years back, your investment would have now grown to Rs 5.7 Lakhs.

Why to invest?

This fund has been performing well compared to its peers in the low risk high return segment. This fund gave good SIP returns in this hybrid segment. Since inception (last 13 years), this fund has given 16% annualized returns. VRO rated this as 4 Star. This is one of the Top SIP Plans for 2019 to invest in India for the long term.

Top#3 – SBI Equity Hybrid Fund

What is its investment Strategy?

The mutual fund scheme aims to provide investor capital appreciation along with the liquidity by investing in a mix of debt and equity. The scheme will invest in a diversified portfolio of equities of high growth companies and balance the risk through investing the rest in fixed income securities.

How is the Performance of fund in case of SIP investment?

If you would have invested Rs 1,000 per month through SIP for 10 years, the invested value would have been Rs 120,000 (Rs 1,000 x 120 months) and the value of the fund would have now grown to Rs 2.4 Lakhs.

If you would have invested Rs 1,000 per month through SIP for 5 years, the invested value would have been Rs 60,000 (Rs 1,000 x 60 months) and the value of the fund would have now grown to Rs 76,000.

If you would have invested Rs 1,000 per month through SIP for 3 years, the invested value would have been Rs 36,000 (Rs 1,000 x 36 months) and the value of the fund would have now grown to Rs 42,000.

How is the Performance of fund in case of lump sum investment?

This mutual fund scheme gave 15% annualized returns in the last 5 years and 16% annualized returns in the last 10 years. If you would have invested Rs 1 Lakh 5 years back, your investment would have grown to Rs 2 Lakhs. If you would have invested Rs 1 Lakh 10 years back, your investment would have now grown to Rs 4.4 Lakhs.

Why to invest?

This fund too gave highest SIP returns in this hybrid segment. Since inception (last 23 years), this fund has given 16% annualized returns. VRO rated this as 4 Star. This is one of the Best SIP Plans in India that has been consistently performing in the last 20 years.

Top#4 – L&T Hybrid Equity Fund

What is its investment Strategy?

The MF scheme aims to generate long-term capital appreciation from a diversified portfolio of predominantly equity and equity related securities.

How is the Performance of fund in case of SIP investment?

This fund came 7.5+ years back (94 months), hence let us compare equivalent performance. If you would have invested Rs 1,000 per month through SIP for 94 months, the invested value would have been Rs 94,000 (Rs 1,000 x 94 months) and the value of the fund would have now grown to Rs 1.55 Lakhs.

If you would have invested Rs 1,000 per month through SIP for 5 years, the invested value would have been Rs 60,000 (Rs 1,000 x 60 months) and the value of the fund would have now grown to Rs 76,000.

If you would have invested Rs 1,000 per month through SIP for 3 years, the invested value would have been Rs 36,000 (Rs 1,000 x 36 months) and the value of the fund would have now grown to Rs 40,000.

How is the Performance of fund in case of lump sum investment?

This mutual fund scheme gave 15% annualized returns in the last 5 years and 12% annualized returns in the last 7.5 years. If you would have invested Rs 1 Lakh 5 years back, your investment would have grown to Rs 2 Lakhs.

Why to invest?

This is one of the consistent performing SIP mutual funds in the last 8 years that gave 12% annualized return since inception. VRO rated this as 4 Star. This is one of the good SIP Plans for 2019 that can be invested for next 8-10 years.

Top#5 – Franklin India Equity Hybrid Fund

What is its investment Strategy?

The mutual fund seeks to get long-term capital appreciation with stability of investment and current income from a balanced portfolio of high quality equity and fixed-income securities.

How is the Performance of fund in case of SIP investment?

If you would have invested Rs 1,000 per month through SIP for 10 years, the invested value would have been Rs 120,000 (Rs 1,000 x 120 months) and the value of the fund would have now grown to Rs 2.2 Lakhs.

If you would have invested Rs 1,000 per month through SIP for 5 years, the invested value would have been Rs 60,000 (Rs 1,000 x 60 months) and the value of the fund would have now grown to Rs 74,000.

If you would have invested Rs 1,000 per month through SIP for 3 years, the invested value would have been Rs 36,000 (Rs 1,000 x 36 months) and the value of the fund would have now grown to Rs 40,000.

How is the Performance of fund in case of lump sum investment?

This mutual fund scheme gave 14% annualized returns in the last 5 years and 15% annualized returns in the last the last 10 years. If you would have invested Rs 1 Lakh 5 years back, your investment would have grown to Rs 1.9 Lakhs. If you would have invested Rs 1 Lakh 10 years back, your investment would have now grown to Rs 3.9 Lakhs.

Why to invest?

This is one of the consistent performing mutual funds in the last 21 years that gave 14% annualized return since inception. VRO rated this as 3 Star. This is one of the Best SIP Plans to invest in India for long term of 10-15 years.

Summary of Best SIP Plans in India for 2019 is here

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The Author

Suresh KP i.e. me have written 1,800+ articles on this blog. I love doing analysis on various Best Investment Plans like mutual funds, Stocks, IPO's, NCD Bonds, Insurance products. If you like our blog, you can share some of the good articles on your Facebook or Twitter. This would be the BIGGEST gift which you would be giving to us.

Hello Dev, If you invest Rs 30,000 for 15 years @ 12% annualised returns you may get Rs 1.5 Crores. If the return is 15%, you may expect Rs 2 Crores. My advice is to invest 30K now and keep adding some additional money every year so that even if there is downfall or less returns, you would be able to achieve Rs 2 Crores kitty. You can invest in largecap, diversified and balanced funds indicated in this article link. https://myinvestmentideas.com/2018/11/top-best-sip-mutual-funds-to-invest-in-india-in-2019/

Hi Sir, Appreciate the effort you put here. It helps people like us alot. I have a request from you that can you write on portfolio creation based on risk profile. Like mutual fund I should keep and how much % to invest in each when I am aggressive risk taker and when I am moderates risk taker. That would help a lot. Thanks.

Thanks for your detailed and valuable analysis. Unfortunately I stopped investing in MFs since 5 years and I feel no regret. I believe, in equity or equity related investment only 10% of people make money and 90% of people lose investment. So I would like to be in 10% for that I need to wait.

Hello Raj, Let me know what period you invested and how you invested (SIP or Lumpsum). Do you know why investors do not make money? They invest when others are running (bull run) and sell when others are washing away the hands( bear phase). Hence you should invest for long term of 8-10 years. If someone says they did’nt make money in 10 or 15 or 20 years, someone is fooling us. I would eagerly wait for your comments about when you invested and mode.

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Suresh KP i.e. me, have written 1800+ articles on this Blog. I love doing analysis on various Best Investment Plans like mutual funds, Stocks, IPO’s, NCD Bonds, Insurance products. If you like our blog, you can share some of the good articles on your Facebook or Twitter. This would be the BIGGEST gift which you would be giving to us.